We are planning to build in 2022; the planning begins

Are you hearing badly today? – the amount will (inevitably and therefore nothing new for the loan approver) always include estimated positions as well. Of course, you can also reverse the order of sampling and budget – but then with the consequence that the loan volume also partly determines the tile size.

Sweetheart, keep dreaming. The kitchen must be included in the financing: you already need the equity in the category "buffer without trouble," and the kitchen is not disposable in the sense that it only gets more expensive if you cannot install the final kitchen when you move in. A provisional solution means installing twice, and you really don’t want the alternative "kitchen cabinets with `construction site doors`." Since you can only spend your equity once – so not simultaneously for kitchen and buffer – I recommend including the kitchen in the calculation (indeed, at least all items whose amount is not unknown should be included). Should you (rare for first-time mothers!) still have unused budget when moving in, then make a special repayment with it or put a swing in the garden. But excluding money from the financing (and for an indispensable element at that) would be, to put it politely, a bit unwise.

I would keep the €2700 that you want to use for the special repayment on the land. I found it very convenient that we had a lot of equity and didn’t have to run to the bank for every one of the 100 invoices...

By the way, we also planned with a lot of special repayments because we want the installment to be payable by only one earner in an emergency. Although with Ing-Diba you can change the installment twice free of charge, right? That would have been the main reason why we considered Ing-Diba.

We have also planned with a lot of special repayments because we want the installment to be payable by only one earner in an emergency.

Does your rate decrease if you make special repayments?